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    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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Claim against RBS for wasted time


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Hi all,

 

now that I am getting ontop of my OH's matters, and having sorted out some Abbey charges that were worrying her, I've decided to turn my attention to RBS.

 

Basically, my OH was struggling with some Abbey charges in Jan. I said to her enough is enough, go get a bank account elsewhere and we will get Abbey to investigate their charges as hardship (they did, and refunded! :O ). The "elsewhere" I suggested to her was RBS as I have been with them since I was six, and my parents have been with them for donkeys years.

 

SO she went to the branch on a Saturday and it was packed, they made an appointment for her to come in the next Wednesday to speak to an adviser. She attended this appointment and was very honest with the adviser, telling them that she has a bad credit file with a default or two.

 

Adviser said "not a problem, give me your details and we'll see what the computer says. Whatever it says is what you are eligible for". Lowe and behold, the computer spat out "Royalties Gold". OH only wanted a normal current account and an ISA. The adviser assured her this would be fine as the computer had said Royalties Gold.

 

Adviser then went and setup both accounts with my OH and gave her two letters (one for ISA, one for Current Account) saying that the applications had been processed and that the accounts were open. OH confirmed she could start to use the account, which the adviser confirmed and advised her on transfering the Direct Debits etc.

 

OH then transfered all of her direct debits and incomming wages to the RBS account. I then tried to transfer some money to the account that weekend only to be told that the account does not exist...

 

OH then calls the branch on the Monday who say that they can't see why it has been closed, only that Head Office did it. OH then receives a letter from Head Office saying taht they have closed the account after a credit check and that they are allowed to under the terms & conditions. At no point was she told that her account would be put under further review and as far as she was aware, they had already done a credit check on her in branch.

 

I had a look through the Ts & Cs, and the only reference to them closing the account is by giving 30 days notice, or immediately if certain circumstances apply, one of which is being "entitled". No where else in the Ts & Cs is entitlement mentioned, nor is using CRAs to determine entitlement/eligibility.

 

As such, we responded to RBS pointing this out, and saying they had wasted atleast 5 hrs of my OHs time and caused a fair bit of distress by their "Breach of Contract". We requested either they sort their "breach" or that they pay damages/compensation for their breach. They then responded with a "After review, or decision still stands" type letter.

 

What I was wondering is:

Have they actually breached contract?

If they have, how likely would we be to be able to claim damages/compensation?

Thoughts/opinions/criticisms welcomed and encouraged :)

 

Thanks,

H

 

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They are in breach of the New Banking Code of Practice May 2007.

 

Have a look at that you will find a way to get at them if you cannot find any other.

In any event there is a law called Estoppel which prevents someone going back on a contract ...its not very well known and very seldom used.

 

sparkie

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